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Computer software for facilitating payments over electronic communications networks. Financial transaction services, namely, providing commercial transaction and payment options. Peer to peer network computer services, namely, enabling transmission of financial data over electronic communication network. Application service provider featuring application programming interface (api) software in the fields of financial transactions and payment processing; application service provider featuring application programming interface (api) software to facilitate transfer of financial information, payment information, and financial transactions between financial institutions, corporations, and users; computer software services, namely, providing online, non- downloadable software for facilitating payments over electronic communications networks; providing online non-downloadable computer software for facilitating payments over electronic communications networks; application programming interface (api) enabling communication of payment information to financial institutions and payment processors for processing and settlement; non-downloadable computer software for facilitating payments over electronic communications networks.